NBT Bancorp Inc. is a financial holding company that operates as a regional bank serving the northeastern United States. The company provides commercial banking, retail banking, and wealth management services across its branch network in New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. Founded in 1856 and headquartered in Norwich, New York, NBT generates revenue through multiple business lines spanning deposit-taking, lending, and advisory services.
The company's core banking operations include a range of deposit products such as demand deposit, savings, money market, and certificate of deposit accounts. Its loan portfolio encompasses consumer lending, home equity loans, residential mortgages, and commercial lending across multiple categories including commercial and industrial, commercial real estate, agricultural, and commercial construction loans. Beyond traditional banking, NBT offers trust and investment services, financial planning and life insurance services, and retirement plan administration and record keeping services. The company also distributes insurance products including personal property and casualty coverage and business liability insurance through its network.
NBT operates digital banking channels including online, mobile, and telephone services that enable customers to perform transactions such as balance inquiries, deposits, fund transfers, bill payments, loan applications, and statement access. The company also functions as an investment advisor providing investment management and financial consulting services, and maintains property management and passive investment operations.
Fiscal years are as reported by the company and may not align with the calendar year. For example, Apple's FY 2024 ends in September 2024.
| Fiscal Year | EPS Diluted | EPS Basic | YoY | |
|---|---|---|---|---|
| 2025 | $3.33 | $3.34 | +12.1% | |
| 2024 | $2.97 | $2.98 | +12.1% | |
| 2023 | $2.65 | $2.67 | -24.7% | |
| 2022 | $3.52 | $3.54 | -0.6% | |
| 2021 | $3.54 | $3.57 | +49.4% | |
| 2020 | $2.37 | $2.39 | -13.5% | |
| 2019 | $2.74 | $2.76 | +7.0% | |
| 2018 | $2.56 | $2.58 | +36.9% | |
| 2017 | $1.87 | $1.89 | +3.9% | |
| 2016 | $1.80 | $1.81 | +4.7% | |
| 2015 | $1.72 | $1.74 | +1.8% | |
| 2014 | $1.69 | $1.71 | +15.8% | |
| 2013 | $1.46 | $1.47 | -9.9% | |
| 2012 | $1.62 | $1.63 | -5.3% | |
| 2011 | $1.71 | $1.72 | +3.0% | |
| 2010 | $1.66 | $1.67 | — |
| Report Date | Filed | Accession Number | |
|---|---|---|---|
| 2025-12-31 | 2026-02-27 | 0001140361-26-007179 | SEC ↗ |
| 2024-12-31 | 2025-02-28 | 0001140361-25-006528 | SEC ↗ |
| 2023-12-31 | 2024-02-29 | 0001140361-24-010464 | SEC ↗ |
| 2022-12-31 | 2023-03-01 | 0001140361-23-009417 | SEC ↗ |
| 2021-12-31 | 2022-03-01 | 0001140361-22-007333 | SEC ↗ |
| 2020-12-31 | 2021-03-01 | 0001140361-21-006657 | SEC ↗ |
| 2019-12-31 | 2020-03-02 | 0001140361-20-004533 | SEC ↗ |
| 2018-12-31 | 2019-03-01 | 0001140361-19-004221 | SEC ↗ |
| 2017-12-31 | 2018-03-01 | 0001140361-18-011238 | SEC ↗ |
| 2016-12-31 | 2017-03-01 | 0001140361-17-009954 | SEC ↗ |
| 2015-12-31 | 2016-02-29 | 0001140361-16-055455 | SEC ↗ |